Welcome to mytotalemi. These Terms of Service govern your use of our website, financial calculators, articles, and educational guides. By accessing or using this site, you agree to comply with these terms.
1. Educational & Illustrative Purpose Only
All calculations, interest estimates, tax deduction breakdowns, and repayment schedules provided on mytotalemi are intended strictly for educational and self-planning purposes. They do not constitute formal financial, tax, or legal advice. Final interest rates, loan eligibility, and terms are determined exclusively by official lending institutions.
2. Non-Lender & Independent Entity Status
mytotalemi is an independent technology and content platform. We are not a commercial bank, non-banking financial company (NBFC), credit broker, or loan agency. We do not issue credit, approve loan applications, or disburse funds to borrowers.
3. Accuracy & Rate Disclaimers
While we make every effort to maintain accurate, up-to-date information regarding interest rates, processing fees, and RBI directives, lending conditions change frequently. We do not warrant the absolute accuracy or completeness of third-party bank data.
4. Limitation of Liability
Under no circumstances shall mytotalemi or its creators be held liable for any financial decisions, loan commitments, or losses incurred based on information presented on this site.
5. Intellectual Property Rights
All software code, custom layout designs, graphics, branding, and written guides on mytotalemi are protected by intellectual property laws and belong exclusively to mytotalemi.
6. Revisions to Terms
We reserve the right to modify these terms at any time without prior notice. Continued usage of the site signifies your agreement to any updated terms.
7. Contact Information
For inquiries concerning these terms, please contact us via our Contact Form or email support@mytotalemi.co.in.